What does Loss of Use Insurance specifically cover?

Loss of Use Insurance specifically addresses the costs associated with renting a vehicle while your own vehicle is being repaired due to situations like theft, vandalism, collision, or mechanical issues. This type of insurance is vital for drivers who rely heavily on their vehicles for everyday activities; it ensures that they are not left without transportation during the repair period. When a vehicle is damaged or incapacitated, the insured may need to rent a vehicle to maintain their normal routine, and Loss of Use Insurance provides coverage for these rental expenses.

The other options focus on different aspects of vehicle and rental car insurance, such as damages to rental cars, costs associated with collisions, and insurance costs for rental vehicles, but they do not specifically cover the rental expenses incurred while a primary vehicle is being repaired. Hence, the correct answer is about the specific protection provided by Loss of Use Insurance for rental costs stemming from the unavailability of the insured vehicle.